TranzWare CMS

System of back office accounting of retail banking activities

TranzWare CMS is the modern scalable system integrating in itself a set of the automated functions of a bank back office necessary both for issuers and for ekvayer: management of issue and address of payment cards, service of acquiring transactions and trade and service companies, maintaining personal and corporate accounts of clients, reporting, analytics, service of agreements of clients and many other things. TranzWare CMS contains a subsystem of retail customer service which supports work with retail transactions, personal accounts and payments. A system not only implements customer needs of financial institution in effective and safe implementation of payments, but also allows to conduct credit and deposit banking products. The solution provides support of a broad spectrum of retail banking activities and a set of types of cards products, accounts and payments. The module TranzWare CMS Instalments gives the chance of creation of diverse schemes of use of the credits and payment by installments of the payments contributing to the development of card business of financial institution in the sector of consumer crediting.

The module of the revolving credit card provides means of effective management of credit cards, has rich functionality with a possibility of expansion for support of corporate credit cards, promotes decrease in credit risks and increase in profitability from use of the credit.

• Issue, reprinting, updating, response, replacement, blocking and reactivation of cards
• Support of products of international payment systems (VISA, MasterCard, AMEX, Diners Club, JCB) and some local
• Management of a wide portfolio of banking products and different types of cards
• Support of magnetic stripe cards and smart cards of the EMV standard
• Possibilities of use of cards/accounts in the multi-card/multi-account mode
• Data preparation for personalisation
• Support of different options of generation and choice of the PIN code
• Bank, trade and others loyalty program
• Means of acceptance and request processing of clients (Bank Messaging Service)
• Support of transactions using POS, teller, ATM, (mobile) phone or Internet
• Support of bank customer service through Internet and the mobile phone (SMS)
• Manager of debates of the issuer; acceptance and processing of requests for debates
• Offline and online-authorization
• Preparation of the balance sheet and maintaining chart of accounts
• EMV compatibility
• Module of the revolving credit card
• Attraction and support of trade and service organizations
• Flexibility when settlings with dealers
• Maintaining different types of personal accounts
• Support of different payment types
• Possibilities of service of permanent orders of clients and transactions "direct debit"
• Management of databases of trade service organizations and providers of services
• Different options of tariffing, collection of the commissions, charges and interest payments, calculation and collection of taxes on profitable base
• The system of scoring and interaction with external scoring systems
• Card management, agreements, wills, powers of attorney
• Development of schemes for the order
• Module Instalments
• Advanced opportunities of security
• Complete volume of multiple currency and multilanguage opportunities
• Support of multiple financial institutions and institutes with the developed filial structure
• Built-in macroprocessor (package accomplishment of tasks)
• Built-in Workflow tools
• Built-in API
• 300+ of the built-in report forms
• Manager of notifications: the types determined by the user and structure of notifications, different methods of formation and delivery, a big set of templates